activemerchant 1.121.0 → 1.125.0

data/lib/active_merchant/billing/gateways/orbital.rb

@@ -42,6 +42,7 @@ module ActiveMerchant #:nodoc:
       }
 
       SUCCESS = '0'
+      APPROVAL_SUCCESS = '1'
 
       APPROVED = [
         '00', # Approved
@@ -219,8 +220,9 @@ module ActiveMerchant #:nodoc:
       end
 
       def verify(creditcard, options = {})
+        amount = allow_0_auth?(creditcard) ? 0 : 100
         MultiResponse.run(:use_first_response) do |r|
-          r.process { authorize(100, creditcard, options) }
+          r.process { authorize(amount, creditcard, options) }
           r.process(:ignore_result) { void(r.authorization) }
         end
       end
@@ -275,6 +277,11 @@ module ActiveMerchant #:nodoc:
         commit(order, :void, options[:retry_logic], options[:trace_number])
       end
 
+      def allow_0_auth?(credit_card)
+        # Discover does not support a $0.00 authorization instead use $1.00
+        %w(visa master american_express diners_club jcb).include?(credit_card.brand)
+      end
+
       # ==== Customer Profiles
       # :customer_ref_num should be set unless you're happy with Orbital providing one
       #
@@ -334,7 +341,10 @@ module ActiveMerchant #:nodoc:
           gsub(%r((<CardSecVal>).+(</CardSecVal>)), '\1[FILTERED]\2').
           gsub(%r((<MerchantID>).+(</MerchantID>)), '\1[FILTERED]\2').
           gsub(%r((<CustomerMerchantID>).+(</CustomerMerchantID>)), '\1[FILTERED]\2').
-          gsub(%r((<CustomerProfileMessage>).+(</CustomerProfileMessage>)), '\1[FILTERED]\2')
+          gsub(%r((<CustomerProfileMessage>).+(</CustomerProfileMessage>)), '\1[FILTERED]\2').
+          gsub(%r((<CheckDDA>).+(</CheckDDA>)), '\1[FILTERED]\2').
+          gsub(%r((<BCRtNum>).+(</BCRtNum>)), '\1[FILTERED]\2').
+          gsub(%r((<DigitalTokenCryptogram>).+(</DigitalTokenCryptogram>)), '\1[FILTERED]\2')
       end
 
       private
@@ -566,7 +576,7 @@ module ActiveMerchant #:nodoc:
         # - http://download.chasepaymentech.com/docs/orbital/orbital_gateway_xml_specification.pdf
         unless creditcard.nil?
           if creditcard.verification_value?
-            xml.tag! :CardSecValInd, '1' if %w(visa discover).include?(creditcard.brand)
+            xml.tag! :CardSecValInd, '1' if %w(visa master discover).include?(creditcard.brand)
             xml.tag! :CardSecVal, creditcard.verification_value
           end
         end
@@ -602,8 +612,10 @@ module ActiveMerchant #:nodoc:
 
       def add_mc_program_protocol(xml, creditcard, three_d_secure)
         return unless three_d_secure && creditcard.brand == 'master'
+        return unless three_d_secure[:version]
 
-        xml.tag!(:MCProgramProtocol, three_d_secure[:version]) if three_d_secure[:version]
+        truncated_version = three_d_secure[:version].to_s[0]
+        xml.tag!(:MCProgramProtocol, truncated_version)
       end
 
       def add_mc_directory_trans_id(xml, creditcard, three_d_secure)
@@ -612,12 +624,28 @@ module ActiveMerchant #:nodoc:
         xml.tag!(:MCDirectoryTransID, three_d_secure[:ds_transaction_id]) if three_d_secure[:ds_transaction_id]
       end
 
-      def add_ucafind(xml, creditcard, three_d_secure)
+      def add_mc_ucafind(xml, creditcard, three_d_secure)
         return unless three_d_secure && creditcard.brand == 'master'
 
         xml.tag! :UCAFInd, '4'
       end
 
+      def add_mc_scarecurring(xml, creditcard, parameters, three_d_secure)
+        return unless parameters && parameters[:sca_recurring] && creditcard.brand == 'master'
+
+        valid_eci = three_d_secure && three_d_secure[:eci] && three_d_secure[:eci] == '7'
+
+        xml.tag!(:SCARecurringPayment, parameters[:sca_recurring]) if valid_eci
+      end
+
+      def add_mc_sca_merchant_initiated(xml, creditcard, parameters, three_d_secure)
+        return unless parameters && parameters[:sca_merchant_initiated] && creditcard.brand == 'master'
+
+        valid_eci = three_d_secure && three_d_secure[:eci] && three_d_secure[:eci] == '7'
+
+        xml.tag!(:SCAMerchantInitiatedTransaction, parameters[:sca_merchant_initiated]) if valid_eci
+      end
+
       def add_dpanind(xml, creditcard)
         return unless creditcard.is_a?(NetworkTokenizationCreditCard)
 
@@ -745,7 +773,7 @@ module ActiveMerchant #:nodoc:
 
       def parse(body)
         response = {}
-        xml = REXML::Document.new(body)
+        xml = REXML::Document.new(strip_invalid_xml_chars(body))
         root = REXML::XPath.first(xml, '//Response') ||
                REXML::XPath.first(xml, '//ErrorResponse')
         if root
@@ -799,8 +827,10 @@ module ActiveMerchant #:nodoc:
       end
 
       def success?(response, message_type)
-        if %i[refund void].include?(message_type)
+        if %i[void].include?(message_type)
           response[:proc_status] == SUCCESS
+        elsif %i[refund].include?(message_type)
+          response[:proc_status] == SUCCESS && response[:approval_status] == APPROVAL_SUCCESS
         elsif response[:customer_profile_action]
           response[:profile_proc_status] == SUCCESS
         else
@@ -884,9 +914,11 @@ module ActiveMerchant #:nodoc:
             add_card_indicators(xml, parameters)
             add_stored_credentials(xml, parameters)
             add_pymt_brand_program_code(xml, payment_source, three_d_secure)
+            add_mc_sca_merchant_initiated(xml, payment_source, parameters, three_d_secure)
+            add_mc_scarecurring(xml, payment_source, parameters, three_d_secure)
             add_mc_program_protocol(xml, payment_source, three_d_secure)
             add_mc_directory_trans_id(xml, payment_source, three_d_secure)
-            add_ucafind(xml, payment_source, three_d_secure)
+            add_mc_ucafind(xml, payment_source, three_d_secure)
           end
         end
         xml.target!
@@ -985,6 +1017,12 @@ module ActiveMerchant #:nodoc:
         options[:billing_address] || options[:address]
       end
 
+      # Null characters are possible in some responses (namely, the respMsg field), causing XML parsing errors
+      # Prevent by substituting these with a valid placeholder string
+      def strip_invalid_xml_chars(xml)
+        xml.gsub(/\u0000/, '[null]')
+      end
+
       # The valid characters include:
       #
       # 1. all letters and digits

data/lib/active_merchant/billing/gateways/pay_arc.rb

@@ -0,0 +1,392 @@
+module ActiveMerchant #:nodoc:
+  module Billing #:nodoc:
+    class PayArcGateway < Gateway
+      self.test_url = 'https://testapi.payarc.net/v1'
+      self.live_url = 'https://api.payarc.net/v1'
+
+      self.supported_countries = ['US']
+      self.default_currency = 'usd'
+      self.supported_cardtypes = %i[visa master american_express discover jcb]
+
+      self.homepage_url = 'https://www.payarc.net/'
+      self.display_name = 'PAYARC Gateway'
+
+      STANDARD_ERROR_CODE_MAPPING = {}
+      STANDARD_ACTIONS = {
+        token:
+          { end_point: 'tokens',
+            allowed_fields: %i[card_source card_number exp_month exp_year cvv card_holder_name
+                               address_line1 address_line2 city state zip country] },
+        capture:
+          { end_point: 'charges',
+            allowed_fields: %i[amount statement_description card_id currency customer_id token_id card_source tip_amount
+                               card_level sales_tax purchase_order supplier_reference_number customer_ref_id ship_to_zip
+                               amex_descriptor customer_vat_number summary_commodity_code shipping_charges duty_charges
+                               ship_from_zip destination_country_code vat_invoice order_date tax_category tax_type
+                               tax_amount tax_rate address_line1 zip terminal_id surcharge description email receipt_phone statement_descriptor ] },
+        void:
+          { end_point: 'charges/{{chargeID}}/void',
+            allowed_fields: %i[reason void_description] },
+        refund:
+          { end_point: 'charges/{{charge_id}}/refunds',
+            allowed_fields: %i[amount reason description] },
+        credit:
+          { end_point: 'refunds/wo_reference',
+            allowed_fields: %i[amount charge_description statement_description terminal_id card_source card_number
+                               exp_month exp_year cvv card_holder_name address_line1 address_line2 city state zip
+                               country currency reason receipt_phone receipt_email  ] }
+      }
+
+      SUCCESS_STATUS = %w[
+        submitted_for_settlement authorized partially_submitted_for_settlement
+        credit partial_refund void refunded settled
+      ]
+
+      FAILURE_STATUS = %w[not_processed failed_by_gateway invalid_track_data authorization_expired]
+
+      # The gateway must be configured with Bearer token.
+      #
+      # <tt>:api_key</tt>     PAYARC's Bearer token must be passsed to initialise the gateway.
+
+      def initialize(options = {})
+        requires!(options, :api_key)
+        super
+      end
+
+      #
+      # Purchase API through PAYARC.
+      #
+      # <tt>:money</tt>       A positive integer in cents representing how much to charge. The minimum amount is 50c USD.
+      #
+      # <tt>:creditcard</tt>     <tt>CreditCard</tt> object with card details.
+      #
+      # <tt>:options</tt>     Other information like address, card source etc can be passed in options
+      #
+      # ==== Options
+      #
+      # * <tt>:card_source </tt> -- Source of payment (REQUIRED) ( INTERNET, SWIPE, PHONE, MAIL, MANUAL )
+      # * <tt>:currency </tt> -- Three-letter ISO currency code, in lowercase (REQUIRED)
+      # * <tt>:card_holder_name</tt> --Name of the Card Holder (OPTIONAL)
+      # * <tt>:address_line1</tt> -- Set in payment method's billing address (OPTIONAL)
+      # * <tt>:address_line2</tt> -- Set in payment method's billing address (OPTIONAL)
+      # * <tt>:state </tt> -- State (OPTIONAL)
+      # * <tt>:country </tt> -- Country (OPTIONAL)
+      # * <tt>:statement_description </tt> -- An arbitrary string to be displayed on your costomer's credit card statement. This may be up to 22 characters. (OPTIONAL)
+      # * <tt> :card_level </tt> -- Commercial card level - "LEVEL2" OR "LEVEL3" (OPTIONAL)
+      # * <tt> :sales_tax  </tt> -- A positive integer in cents representing sales tax. (OPTIONAL)
+      # * <tt> :terminal_id </tt> -- Optional terminal id. (OPTIONAL)
+      # * <tt> :tip_amount </tt> -- A positive integer in cents representing tip amount. (OPTIONAL)
+      # * <tt> :sales_tax </tt> -- Applicable for LEVEL2 or LEVEL3 Charge. A positive integer in cents representing sales tax. (REQUIRED for LEVEL2 0r LEVEL3)
+      # * <tt> :purchase_order </tt> -- Applicable for Level2 or Level3 Charge. The value used by the customer to identify an order. Issued by the buyer to the seller. (REQUIRED for LEVEL2 0r LEVEL3)
+      # * <tt> :order_date </tt> -- Applicable for Level2 Charge for AMEX card only or Level3 Charge. The date the order was processed. Format: Alphanumeric and Special Character |Min Length=0 Max Length=10|Allowed format: MM/DD/YYYY For example: 12/01/2016
+      # * <tt> :customer_ref_id </tt> -- Applicable for Level2 Charge for AMEX card only or Level3 Charge. The reference identifier supplied by the Commercial Card cardholder. Format: Alphanumeric and Special Character |Min Length=0 Max Length=17| a-z A-Z 0-9 Space <>
+      # * <tt> :ship_to_zip </tt> -- Applicable for Level2 Charge for AMEX card only or Level3 Charge. The postal code for the address to which the goods are being shipped. Format: Alphanumeric |Min Length=2 Max Length=10
+      # * <tt> :amex_descriptor </tt> -- Applicable for Level2 Charge for AMEX card only. The value of the Transaction Advice Addendum field, displays descriptive information about a transactions on a customer's AMEX card statement. Format: Alphanumeric and Special Character |Min Length=0 Max Length=40|a-z A-Z 0-9 Space <>
+      # * <tt> :supplier_reference_number </tt> --  Applicable for Level2 Charge for AMEX card only or Level3 charge. The value used by the customer to identify an order. Issued by the buyer to the seller.
+      # * <tt> :tax_amount </tt> -- Applicable for Level3 Charge. The tax amount. Format: Numeric|Max Length=12|Allowed characters: 0-9 .(dot) Note: If a decimal point is included, the amount reflects a dollar value. If a decimal point is not included, the amount reflects a cent value.
+      # * <tt> :tax_category </tt> -- Applicable for Level3 Charge. The type of tax. Formerly established through TaxCategory messages. Allowed values: SERVICE, DUTY, VAT, ALTERNATE, NATIONAL, TAX_EXEMPT
+      # * <tt> :customer_vat_number </tt> -- Applicable for Level3 Charge. Indicates the customer's government assigned tax identification number or the identification number assigned to their purchasing company by the tax authorities. Format: Alphanumeric and Special Character|Min Length=0 Max Length=13| a-z A-Z 0-9 Space <>
+      # * <tt> :summary_commodity_code </tt> -- Applicable for Level3 Charge. The international description code of the overall goods or services being supplied. Format: Alphanumeric and Special Character |Min Length=0 Max Length=4|Allowed character: a-z A-Z 0-9 Space <>
+      # * <tt> :shipping_charges </tt> -- Applicable for Level3 Charge. The dollar amount for shipping or freight charges applied to a product or transaction. Format: Numeric |Max Length=12|Allowed characters: 0-9 .(dot) Note: If a decimal point is included, the amount reflects a dollar value. If a decimal point is not included, the amount reflects a cent value.
+      # * <tt> :duty_charges </tt> -- Applicable for Level3 Charge. Indicates the total charges for any import or export duties included in the order. Format: Numeric |Max Length=12|Allowed characters: 0-9 . (dot) Note: If a decimal point is included, the amount reflects a dollar value. If a decimal point is not included, the amount reflects a cent value.
+      # * <tt> :ship_from_zip </tt> -- Applicable for Level3 Charge. The postal code for the address to which the goods are being shipped. Format: Alphanumeric |Min Length=2 Max Length=10
+      # * <tt> :destination_country_code </tt> -- Applicable for Level3 Charge. The destination country code indicator. Format: Alphanumeric.
+      # * <tt> :tax_type  </tt> -- Applicable for Level3 Charge. The type of tax. For example, VAT, NATIONAL, Service Tax. Format: Alphanumeric and Special Character
+      # * <tt> :vat_invoice </tt> -- Applicable for Level3 Charge. The Value Added Tax (VAT) invoice number associated with the transaction. Format: Alphanumeric and Special Character |Min Length=0 Max Length=15|Allowed character: a-z A-Z 0-9 Space <>
+      # * <tt> :tax_rate </tt> -- Applicable for Level3 Charge. The type of tax rate. This field is used if taxCategory is not used. Default sale tax rate in percentage Must be between 0.1% - 22% ,Applicable only Level 2 AutoFill. Format: Decimal Number |Max Length=4|Allowed characters: 0-9 .(dot) Allowed range: 0.01 - 100
+      # * <tt> :email </tt> -- Customer's email address sent with payment method.
+
+      def purchase(money, creditcard, options = {})
+        options[:capture] = 1
+        MultiResponse.run do |r|
+          r.process { token(creditcard, options) }
+          r.process { charge(money, r.authorization, options) }
+        end
+      end
+
+      #
+      # Authorize the payment API through PAYARC.
+      #
+      # <tt>:money</tt>       A positive integer in cents representing how much to charge. The minimum amount is 50c USD.
+      #
+      # <tt>:creditcard</tt>     <tt>CreditCard</tt> object with card details.
+      #
+      # <tt>:options</tt>     Other information like address, card source etc can be passed in options
+      #
+      # ==== Options
+      #
+      # * <tt>:card_source </tt> -- Source of payment (REQUIRED) ( INTERNET, SWIPE, PHONE, MAIL, MANUAL )
+      # * <tt>:currency </tt> -- Three-letter ISO currency code, in lowercase (REQUIRED)
+      # * <tt>:card_holder_name</tt> --Name of the Card Holder (OPTIONAL)
+      # * <tt>:address_line1</tt> -- Set in payment method's billing address (OPTIONAL)
+      # * <tt>:address_line2</tt> -- Set in payment method's billing address (OPTIONAL)
+      # * <tt>:state </tt> -- State (OPTIONAL)
+      # * <tt>:country </tt> -- Country (OPTIONAL)
+      # * <tt>:statement_description </tt> -- An arbitrary string to be displayed on your costomer's credit card statement. This may be up to 22 characters. (OPTIONAL)
+      # * <tt> :card_level </tt> -- Commercial card level - "LEVEL2" OR "LEVEL3" (OPTIONAL)
+      # * <tt> :sales_tax  </tt> -- A positive integer in cents representing sales tax. (OPTIONAL)
+      # * <tt> :terminal_id </tt> -- Optional terminal id. (OPTIONAL)
+      # * <tt> :tip_amount </tt> -- A positive integer in cents representing tip amount. (OPTIONAL)
+      # * <tt> :sales_tax </tt> -- Applicable for LEVEL2 or LEVEL3 Charge. A positive integer in cents representing sales tax. (REQUIRED for LEVEL2 0r LEVEL3)
+      # * <tt> :purchase_order </tt> -- Applicable for Level2 or Level3 Charge. The value used by the customer to identify an order. Issued by the buyer to the seller. (REQUIRED for LEVEL2 0r LEVEL3)
+      # * <tt> :order_date </tt> -- Applicable for Level2 Charge for AMEX card only or Level3 Charge. The date the order was processed. Format: Alphanumeric and Special Character |Min Length=0 Max Length=10|Allowed format: MM/DD/YYYY For example: 12/01/2016
+      # * <tt> :customer_ref_id </tt> -- Applicable for Level2 Charge for AMEX card only or Level3 Charge. The reference identifier supplied by the Commercial Card cardholder. Format: Alphanumeric and Special Character |Min Length=0 Max Length=17| a-z A-Z 0-9 Space <>
+      # * <tt> :ship_to_zip </tt> -- Applicable for Level2 Charge for AMEX card only or Level3 Charge. The postal code for the address to which the goods are being shipped. Format: Alphanumeric |Min Length=2 Max Length=10
+      # * <tt> :amex_descriptor </tt> -- Applicable for Level2 Charge for AMEX card only. The value of the Transaction Advice Addendum field, displays descriptive information about a transactions on a customer's AMEX card statement. Format: Alphanumeric and Special Character |Min Length=0 Max Length=40|a-z A-Z 0-9 Space <>
+      # * <tt> :supplier_reference_number </tt> --  Applicable for Level2 Charge for AMEX card only or Level3 charge. The value used by the customer to identify an order. Issued by the buyer to the seller.
+      # * <tt> :tax_amount </tt> -- Applicable for Level3 Charge. The tax amount. Format: Numeric|Max Length=12|Allowed characters: 0-9 .(dot) Note: If a decimal point is included, the amount reflects a dollar value. If a decimal point is not included, the amount reflects a cent value.
+      # * <tt> :tax_category </tt> -- Applicable for Level3 Charge. The type of tax. Formerly established through TaxCategory messages. Allowed values: SERVICE, DUTY, VAT, ALTERNATE, NATIONAL, TAX_EXEMPT
+      # * <tt> :customer_vat_number </tt> -- Applicable for Level3 Charge. Indicates the customer's government assigned tax identification number or the identification number assigned to their purchasing company by the tax authorities. Format: Alphanumeric and Special Character|Min Length=0 Max Length=13| a-z A-Z 0-9 Space <>
+      # * <tt> :summary_commodity_code </tt> -- Applicable for Level3 Charge. The international description code of the overall goods or services being supplied. Format: Alphanumeric and Special Character |Min Length=0 Max Length=4|Allowed character: a-z A-Z 0-9 Space <>
+      # * <tt> :shipping_charges </tt> -- Applicable for Level3 Charge. The dollar amount for shipping or freight charges applied to a product or transaction. Format: Numeric |Max Length=12|Allowed characters: 0-9 .(dot) Note: If a decimal point is included, the amount reflects a dollar value. If a decimal point is not included, the amount reflects a cent value.
+      # * <tt> :duty_charges </tt> -- Applicable for Level3 Charge. Indicates the total charges for any import or export duties included in the order. Format: Numeric |Max Length=12|Allowed characters: 0-9 . (dot) Note: If a decimal point is included, the amount reflects a dollar value. If a decimal point is not included, the amount reflects a cent value.
+      # * <tt> :ship_from_zip </tt> -- Applicable for Level3 Charge. The postal code for the address to which the goods are being shipped. Format: Alphanumeric |Min Length=2 Max Length=10
+      # * <tt> :destination_country_code </tt> -- Applicable for Level3 Charge. The destination country code indicator. Format: Alphanumeric.
+      # * <tt> :tax_type  </tt> -- Applicable for Level3 Charge. The type of tax. For example, VAT, NATIONAL, Service Tax. Format: Alphanumeric and Special Character
+      # * <tt> :vat_invoice </tt> -- Applicable for Level3 Charge. The Value Added Tax (VAT) invoice number associated with the transaction. Format: Alphanumeric and Special Character |Min Length=0 Max Length=15|Allowed character: a-z A-Z 0-9 Space <>
+      # * <tt> :tax_rate </tt> -- Applicable for Level3 Charge. The type of tax rate. This field is used if taxCategory is not used. Default sale tax rate in percentage Must be between 0.1% - 22% ,Applicable only Level 2 AutoFill. Format: Decimal Number |Max Length=4|Allowed characters: 0-9 .(dot) Allowed range: 0.01 - 100
+      # * <tt> :email </tt> -- Customer's email address.
+
+      def authorize(money, creditcard, options = {})
+        options[:capture] = '0'
+        MultiResponse.run do |r|
+          r.process { token(creditcard, options) }
+          r.process { charge(money, r.authorization, options) }
+        end
+      end
+
+      #
+      # Capture the payment of an existing, uncaptured, charge.
+      # This is the second half of the two-step payment flow, where first you created / authorized a charge
+      # with the capture option set to false.
+      #
+      # <tt>:money</tt>         A positive integer in cents representing how much to charge. The minimum amount is 50c USD.
+      #
+      # <tt>:tx_reference</tt>  charge_id from previously created / authorized a charge
+      #
+      # <tt>:options</tt>       Other information like address, card source etc can be passed in options
+
+      def capture(money, tx_reference, options = {})
+        post = {}
+        add_money(post, money, options)
+        action = "#{STANDARD_ACTIONS[:capture][:end_point]}/#{tx_reference}/capture"
+        post = filter_gateway_fields(post, options, STANDARD_ACTIONS[:capture][:allowed_fields])
+        commit(action, post)
+      end
+
+      #
+      # Voids the transaction / charge.
+      #
+      # <tt>:tx_reference</tt>  charge_id from previously created  charge
+      #
+      # <tt>:options</tt>       Other information like address, card source etc can be passed in options
+      #
+      # ==== Options
+      #
+      # * <tt> :reason </tt> -- Reason for voiding transaction (REQUIRED) ( requested_by_customer, duplicate, fraudulent, other )
+
+      def void(tx_reference, options = {})
+        post = {}
+        post['reason'] = options[:reason]
+        action = STANDARD_ACTIONS[:void][:end_point].gsub(/{{chargeID}}/, tx_reference)
+        post = filter_gateway_fields(post, options, STANDARD_ACTIONS[:void][:allowed_fields])
+        commit(action, post)
+      end
+
+      #
+      # Refund full / partial  payment of an successful charge / capture / purchase.
+      #
+      # <tt>:money</tt>         A positive integer in cents representing how much to charge. The minimum amount is 50c USD.
+      #
+      # <tt>:tx_reference</tt>  charge_id from previously created / authorized a charge
+      #
+      # <tt>:options</tt>       Other information like address, card source etc can be passed in options
+
+      def refund(money, tx_reference, options = {})
+        post = {}
+        add_money(post, money, options)
+        action = STANDARD_ACTIONS[:refund][:end_point].gsub(/{{charge_id}}/, tx_reference)
+        post = filter_gateway_fields(post, options, STANDARD_ACTIONS[:refund][:allowed_fields])
+        commit(action, post)
+      end
+
+      def credit(money, creditcard, options = {})
+        post = {}
+        add_money(post, money, options)
+        add_creditcard(post, creditcard, options)
+        add_address(post, options)
+        add_phone(post, options)
+        post['receipt_email'] = options[:email] if options[:email]
+        action = STANDARD_ACTIONS[:credit][:end_point]
+        post = filter_gateway_fields(post, options, STANDARD_ACTIONS[:credit][:allowed_fields])
+        commit(action, post)
+      end
+
+      #
+      # Verify the creditcard API through PAYARC.
+      #
+      # <tt>:creditcard</tt>     <tt>CreditCard</tt> object with card details.
+      #
+      # <tt>:options</tt>     Other information like address, card source etc can be passed in options
+      #
+      # ==== Options
+      #
+      # * <tt>:card_source </tt> -- Source of payment (REQUIRED) ( INTERNET, SWIPE, PHONE, MAIL, MANUAL )
+      # * <tt>:card_holder_name</tt> --Name of the Card Holder (OPTIONAL)
+      # * <tt>:address_line1</tt> -- Set in payment method's billing address (OPTIONAL)
+      # * <tt>:address_line2</tt> -- Set in payment method's billing address (OPTIONAL)
+      # * <tt>:state </tt> -- State (OPTIONAL)
+      # * <tt>:country </tt> -- Country (OPTIONAL)
+
+      def verify(creditcard, options = {})
+        token(creditcard, options)
+      end
+
+      #:nodoc:
+      def token(creditcard, options = {})
+        post = {}
+        post['authorize_card'] = 1
+        post['card_source'] = options[:card_source]
+        add_creditcard(post, creditcard, options)
+        add_address(post, options)
+        post = filter_gateway_fields(post, options, STANDARD_ACTIONS[:token][:allowed_fields])
+        commit(STANDARD_ACTIONS[:token][:end_point], post)
+      end
+
+      def supports_scrubbing? #:nodoc:
+        true
+      end
+
+      def scrub(transcript)
+        #:nodoc:
+        transcript.
+          gsub(%r((Authorization: Bearer )[^\s]+\s)i, '\1[FILTERED]\2').
+          gsub(%r((&?card_number=)[^&]*)i, '\1[FILTERED]').
+          gsub(%r((&?cvv=)[^&]*)i, '\1[BLANK]')
+      end
+
+      private
+
+      def charge(money, authorization, options = {})
+        post = {}
+        post['token_id'] = authorization
+        post['capture'] = options[:capture] || 1
+        add_money(post, money, options)
+        add_phone(post, options)
+        post = filter_gateway_fields(post, options, STANDARD_ACTIONS[:capture][:allowed_fields])
+        commit(STANDARD_ACTIONS[:capture][:end_point], post)
+      end
+
+      def add_creditcard(post, creditcard, options)
+        post['card_number'] = creditcard.number
+        post['exp_month'] = format(creditcard.month, :two_digits)
+        post['exp_year'] = creditcard.year
+        post['cvv'] = creditcard.verification_value unless creditcard.verification_value.nil?
+        post['card_holder_name'] = options[:card_holder_name] || "#{creditcard.first_name} #{creditcard.last_name}"
+      end
+
+      def add_address(post, options)
+        return unless billing_address = options[:billing_address]
+
+        post['address_line1'] = billing_address[:address1]
+        post['address_line2'] = billing_address[:address2]
+        post['city'] = billing_address[:city]
+        post['state'] = billing_address[:state]
+        post['zip'] = billing_address[:zip]
+        post['country'] = billing_address[:country]
+      end
+
+      def add_phone(post, options)
+        post['phone_number'] = options[:billing_address][:phone] if options.dig(:billing_address, :phone)
+      end
+
+      def add_money(post, money, options)
+        post['amount'] = money
+        post['currency'] = currency(money) unless options[:currency]
+        post['statement_description'] = options[:statement_description]
+      end
+
+      def headers(api_key)
+        {
+          'Authorization' => 'Bearer ' + api_key.strip,
+          'Accept' => 'application/json',
+          'User-Agent' => "PayArc ActiveMerchantBindings/#{ActiveMerchant::VERSION}"
+        }
+      end
+
+      def parse(body)
+        JSON.parse(body)
+      rescue JSON::ParserError
+        body
+      end
+
+      def filter_gateway_fields(post, options, gateway_fields)
+        filtered_options = options.slice(*gateway_fields).compact
+        post.update(filtered_options)
+        post
+      end
+
+      def commit(action, parameters)
+        url = (test? ? test_url : live_url)
+        headers = headers(@options[:api_key])
+        end_point = "#{url}/#{action}"
+        begin
+          response = ssl_post(end_point, post_data(parameters), headers)
+          parsed_response = parse(response)
+
+          Response.new(
+            success_from(parsed_response, action),
+            message_from(parsed_response, action),
+            parsed_response,
+            test: test?,
+            authorization: parse_response_id(parsed_response),
+            error_code: error_code_from(parsed_response, action)
+          )
+        rescue ResponseError => e
+          parsed_response = parse(e.response.body)
+          Response.new(
+            false,
+            message_from(parsed_response, action),
+            parsed_response,
+            test: test?,
+            authorization: nil,
+            error_code: error_code_from(parsed_response, action)
+          )
+        end
+      end
+
+      def success_from(response, action)
+        if action == STANDARD_ACTIONS[:token][:end_point]
+          token = parse_response_id(response)
+          (!token.nil? && !token.empty?)
+        elsif response
+          return SUCCESS_STATUS.include? response['data']['status'] if response['data']
+        end
+      end
+
+      def message_from(response, action)
+        if success_from(response, action)
+          if action == STANDARD_ACTIONS[:token][:end_point]
+            return response['data']['id']
+          else
+            return response['data']['status']
+          end
+        else
+          return response['message']
+        end
+      end
+
+      def parse_response_id(response)
+        response['data']['id'] if response && response['data']
+      end
+
+      def post_data(params)
+        params.map { |k, v| "#{k}=#{CGI.escape(v.to_s)}" }.join('&')
+      end
+
+      def error_code_from(response, action)
+        response['status_code'] unless success_from(response, action)
+      end
+    end
+  end
+end

data/lib/active_merchant/billing/gateways/pay_conex.rb

@@ -79,7 +79,9 @@ module ActiveMerchant #:nodoc:
         force_utf8(transcript).
           gsub(%r((api_accesskey=)\w+), '\1[FILTERED]').
           gsub(%r((card_number=)\w+), '\1[FILTERED]').
-          gsub(%r((card_verification=)\w+), '\1[FILTERED]')
+          gsub(%r((card_verification=)\w+), '\1[FILTERED]').
+          gsub(%r((bank_account_number=)\w+), '\1[FILTERED]').
+          gsub(%r((bank_routing_number=)\w+), '\1[FILTERED]')
       end
 
       private